WILLAERT - BEUSELINCK is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €603k and a net result of €24k. Equity is growing by ~2.7% per year across the filed fiscal years. Its solvency ranks better than 92% of 1469 sector peers (fiscal year 2025). The company has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
29 d late
2023
30 d late
2022
26 d late
2021
26 d late
2020
30 d late
2019
31 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€603k▲ 4.1%
2024 · €580k
2018: €482k
2019: €474k
2020: €482k
2021: €496k
2022: €508k
2023: €510k
2024: €580k
2018 → 2025
Net result
€24k▼ 65.8%
2024 · €69k
2018: €9k
2019: €-8k
2020: €7k
2021: €14k
2022: €12k
2023: €2k
2024: €69k
2018 → 2025
Total assets
€661k▼ 0.8%
2024 · €666k
2018: €748k
2019: €736k
2020: €696k
2021: €592k
2022: €585k
2023: €582k
2024: €666k
2018 → 2025
Solvency
91.3%▲ 4.3pp
2024 · 87.0%
2018: 64.4%
2019: 64.4%
2020: 69.2%
2021: 83.8%
2022: 86.9%
2023: 87.7%
2024: 87.0%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€496k-€508k▲ 2.5%€510k▲ 0.4%€580k▲ 13.6%€603k▲ 4.1%
Operating result€23k-€20k▼ 14.0%€5k▼ 75.8%€97k▲ 1,935%€34k▼ 65.3%
Net result€14k-€12k▼ 12.5%€2k▼ 84.4%€69k▲ 3,511%€24k▼ 65.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 65% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €661k
Fixed assets
€332k▼ 3.8%
Current assets
€329k▲ 2.3%
Equity and liabilities €661k
Equity
€603k▲ 4.1%
Provisions
€926▼ 5.5%
Debt
€56k▼ 34.1%
The debt ratio falls from 12.9% to 8.5%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
91.3%▲
2024 · 87.0%
ROE
3.9%▼
2024 · 12.0%
ROA
3.6%▼
2024 · 10.4%
Debt
€56k▼
2024 · €86k
Debt ≤ 1 year
€55k▼
2024 · €86k
Income taxes
€9k▼
2024 · €26k
Staff costs
€11▼
2024 · €7k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€666k€661k▼
Fixed assets21/28€345k€332k▼
Tangible fixed assets22/27€345k€332k▼
Land and buildings22€344k€328k▼
Plant, machinery and equipment23€113€2k▲
Furniture and vehicles24€1k€2k▲
Current assets29/58€321k€329k▲
Stocks and contracts in progress3€120k€120k=
Stocks30/36€120k€120k=
Amounts receivable within one year40/41€10k€5k▼
Trade receivables40€750€2k▲
Other amounts receivable41€9k€4k▼
Cash at bank and in hand54/58€165k€173k▲
Deferred charges and accrued income490/1€27k€30k▲
Equity and liabilities
Total equity and liabilities10/49€666k€661k▼
Equity10/15€580k€603k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€15k€15k▼
Non-distributable reserves130/1€12k€12k=
Legal reserve130€12k€12k=
Tax-exempt reserves132€3k€3k▼
Profit (loss) carried forward14€503k€527k▲
Provisions and deferred taxes16€980€926▼
Deferred taxes168€980€926▼
Amounts payable17/49€86k€56k▼
Amounts payable within one year42/48€86k€55k▼
Trade debts44€37k€27k▼
Suppliers440/4€37k€27k▼
Taxes, remuneration and social security45€19k€335▼
Taxes450/3€19k€335▼
Other amounts payable47/48€30k€28k▼
Accrued charges and deferred income492/3€130€1k▲
Income statement
Code20242025
Non-recurring operating income76A€100k-
Remuneration, social security and pensions62€7k€11▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€17k▲
Other operating charges640/8€16k€8k▼
Gross operating margin9900€137k€59k▼
Operating profit (loss)9901€97k€34k▼
Financial income75/76B€98€339▲
Recurring financial income75€98€339▲
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€96k€33k▼
Transfer from deferred taxes780€53€53=
Income taxes67/77€26k€9k▼
Profit (loss) for the period9904€69k€24k▼
Transfer from tax-exempt reserves789€160€160=
Profit (loss) for the period to be appropriated9905€70k€24k▼
Appropriation of the result
Profit (loss) to be appropriated9906€503k€527k▲
Profit (loss) brought forward from the previous period14P€433k€503k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2018net €69k ▲3511%
Operating result €97k, net result €69k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
26-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 26 days late
2022
31-12
Financial
Equity above €500kEq €508k ▲2.5%
3 profitable years in a row build equity to €508k.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Weakest financial yearnet €-8k ▼188%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 59 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Koekelare · 1 establishment unit since 2002
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Catstraat 668680 KoekelareGround area
1,709 m²
Building footprint
293 m²
Volume, LiDAR
1,611 m³
Parcel 32010A0870/00E000, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
WILLAERT-BEUSELINCK
since 20022.051.619.482
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 32010A0870/00E000 | Flanders | 1,709 m² | 1 · 293 m² | 9.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 149 EUR awarded · 149 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 51 EUR | 51 EUR |
| 2024 | 1 | 50 EUR | 50 EUR |
| 2023 | 1 | 48 EUR | 48 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
DANIEL RENARD FINANCE & Cie
BE 0863.694.037
Aywaille · Eq €604k
ASSURANCES LEFEBVRE
BE 0441.420.967
Mouscron · Eq €604k
Fraiture Ventures
BE 0793.927.281
Andenne · Eq €603k
QUALITASS
BE 0430.175.402
Grimbergen · Eq €604k
CALLANT VERZEKERINGEN ANTWERPEN
BE 0444.457.364
Antwerpen · Eq €603k
Of 4,686 companies in sector 66220 we hold annual accounts for 3,231. 2,501 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded08-02-1991
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
68310Real estate agency activities
68311Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.